Saving money is essential this time of year. Christmas is passed and January can be a tight time to make ends meet. These apps will help you save money and improve your position.


The mobile banking app Chime is available on iOS and Android.  This app includes a spending account as well as a debit card which is FDIC-insured.  This means that you can safely deposit funds, see your transactions immediately and track all of your spending on the go.  

You will also be offered an automatic savings account which ensures that you start saving without having to think about it.  The account will automatically take 10% of each paycheck that is deposited into Chime. You can also enable a rounding up setting on your purchases which transfers the difference into your savings account every time you use your Chime debit card.

This banking app will help you save money fast and keep it in a savings account so you are not tempted to spend it on things you don’t need.  You will not have any overdraft fees or foreign transactions fees. There are also no fees for using an ATM or for monthly minimums.


If you want an app that does the thinking and acting on saving money for you then Digit is what you need.  The app may even do a better job than you while taking the stress of saving from your shoulders. This app will take a look at your current income and expenses then calculates what you could save and puts it into an FDIC-insured Digit account.

Generally, the app will complete this look and calculation around 2 to 3 times each week.  The app also gives you the chance to earn a 1% savings bonus which is paid every quarter. Your bonus will be based on the average daily balance in your account during the quarter.  There is a 100-day free trial that you can use, but after this, there is a monthly fee that you need to pay.

If you need to make ends meet quickly, then it might be worth trying someone such as TNL Car Title Loans for help at such a time

Clarity Money

As the name would suggest, this app clarifies wasteful spending from good spending.  It is a free app that will cancel subscriptions that you are not using or do not actually need.  The app also looks for different want to negotiate your bills to a lower rate making it easier to save.

The app also tracks what you are spending to help you stay on a budget.  There are recommendations for credit cards that fit your credit needs as well as your lifestyle and helps you learn how to use your credit in a smart manner.  Clarity money also offers a savings account where you can store all of the money that you save.


Qapital combines the idea of saving money and learning.  The app provides lessons on setting goals and the value of small amounts going toward a larger goal.  When you make a purchase, you are generally paying an uneven amount.

The app will round up transactions to the nearest dollar and put this money into an FDIC-insured account.  All you have to do to get this benefit is connect your checking account to the app. There are other saving strategies that you can automate such as lump sum deposits into savings at regular intervals.  The accounts will earn a small amount of interest and you do not have to pay any fees.


If you are often late with your bills, Mint will be able to help you and ensure that you avoid penalties and late fees which can seriously add up.  This app also helps you to create a budget that ensures you maximize what you do with your money. It will also allocate money to savings, retirement pay your mortgage and an emergency fund while covering all your other expenses.

The app also comes with a free credit score to help you monitor how your savings and money habits give you other opportunities.  These opportunities include a better loan rate when you want to buy something in the future.


Another app that rounds up your purchases on debit and credit cards is Acorns, but these cards need to be linked to the app.  The difference between the actual price and the app price will be transferred to your Acorns account. This is part of the Acorns investment platform and your money will be invested in exchange-traded funds.  You get the option to invest in aggressive or conservative funds based on what you are comfortable with.

College students are able to use the app for free for up to 4 years.  All other users will need to pay a monthly fee for the account when it is under $5000 and a percentage fee when it is above this amount.

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